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Mortgages

We offer whole of market, independent advice and arrangement for all types of mortgages.

How we can help

Securing a mortgage can be tricky. With an ever changing market, receiving expert advice has become increasingly important. At Shaw Gibbs, we can give you the peace of mind that you have secured the best mortgage deal for your circumstances.

In sourcing mortgages from the whole of the market, we can find avenues which mean a ‘Yes’, rather than a ‘No’ for your mortgage.

Protection

Choosing the right mortgage protection is important. You want to know that not only your dream home but also your family are protected in all scenarios.

At Shaw Gibbs, we search the whole of the market to advise you on the best protection available, as well as reviewing any existing arrangements that you may have. This process will ensure you have a suitable level of cover and complete peace of mind about your mortgage.

We can help you to understand all of the options available. Some of the specific options that we advise on include:

Decreasing, level and increasing life assurance - this type of cover would repay your mortgage were you die during the policy term.

Income protection - provides an income should you not be able to work due to an accident or illness.

Critical illness - available as an add on for a life assurance or a standalone policy, this cover would pay a lump sum should you suffer an illness such as cancer, heart attack or stroke. Typically around 50 conditions are covered.

Family income benefit - this cover would pay a regular amount typically monthly should you die to cover your families living expenses.

Remortgaging

Your mortgage may have been the best deal for your circumstances at the time but is it still as effective? Staying with your current lender does not always mean gaining the best rate and consequently, it is crucial to obtain advice to secure lower monthly payments or raise capital. Switching your mortgage now could save you money.

At Shaw Gibbs, we can find the best mortgage options available, taking into account other costs such as valuation and legal expenses.

Buy to Let (BTL)

Following significant tax changes and the introduction of the new BTL affordability rules, it is now more important than ever to seek advice on BTL mortgages.

Maximum loans and criteria vary greatly between lenders. Consequently, to ease the process and help navigate the BTL minefield we can advise and arrange on all types of investment opportunities for first time landlords, experienced landlords and limited companies. Specific opportunities we advise on include:

Let to Buy (LTB)

Are you looking to buy a new home but the time isn’t right to sell your current property? Perhaps you’re looking to start or expand your own property portfolio? LTB mortgages give you the opportunity to release equity from your current home, which can then be rented out and support the purchase of a new home.

The LTB process can be complicated as you are often looking for two mortgages at once – one on your current property and then one on the property that you are looking to buy.

Our Mortgage Consultant can see you through the whole process, understanding your specific requirements. We can advise you on how much you can raise with a LTB mortgage. From this any existing residential mortgage must be repaid and then the remaining equity released – along with any savings – forms the deposit for your new home.

First Time Buyers

There are many factors to consider when securing a mortgage and this can make the process complicated for even the most experienced home owner. With that in mind, what should be incredibly exciting could be daunting to the first time buyer.

At Shaw Gibbs, we offer support throughout the entire process, helping to make buying your first house less daunting and allow you to focus on the excitement of owning your own home. Our Mortgage Consultant will work out how much you can borrow, discuss the relevant costs and advise you on all areas that you need to consider.

As part of our service for first time buyers, we can arrange mortgages with gifted deposits and explain how parents can guarantee or assist getting you on the property ladder.

Help 2 Buy & Shared Ownership

As part of our service to First Time Buyers, we can offer support on Help 2 Buy and Shared Ownership schemes.

Different Government backed schemes are available to help first time buyers, but also support next time buyers on or up the property ladder.

At Shaw Gibbs, we have extensive experience in supporting home buyers with multiple schemes and can advise you on the relevant pros and cons. Once our Mortgage Consultant has found the scheme to support your situation, we can guide you through each step of the process.

Self-Build

Self-builds look to fill a shortfall in housing stock. They also create the possibility of building the home of your dreams.

However, despite this, self-builds can be a complicated option. Before you dive in, it is important to understand the self-build process and with that, the self-build mortgage. With deposits often higher when it comes self-build mortgages, it is important to seek advice. Our Mortgage Consultant can offer guidance through each step of the process, assessing the market to make sure they find a mortgage for your needs.

Second charge / secured charge lending

A second charge loan allows your current mortgage to be unchanged and can allow a higher level of borrowing than a typical first charge mortgage as higher income multiples are available.

They can be a suitable method for raising capital for a whole host of reasons. You may have been unable to secure a remortgage, or alternatively you want to improve your home or BTL. Perhaps you have a good existing deal you don’t want to lose, or have early repayment changes you would rather not pay.

At Shaw Gibbs, we can advise you on whether you are eligible for a second charge loan and whether they are the best option available. With whole of the market advice, we can find the best rates available to you.

Commercial Borrowing

Are you a business owner looking to purchase your offices? Perhaps a property developer looking to significantly expand your property portfolio?

Our Mortgage Consultant can advise you on both mixed usage and pure commercial units. Like our residential mortgage offering, we cover the whole market, allowing us to search through all available options. We will also take consideration of other fees including; valuation, legal and arrangement fees, allowing us to give you the whole picture and find the mortgage that suits your situation.